What's Holding Insurance Innovation Back
Insurance carriers face pressure from every direction — new entrants moving faster, regulators demanding more
transparency, and customers expecting digital experiences that legacy systems were never built to support. The systems
themselves are not the problem. Getting value out of them quickly, and safely, is.
Improve the policyholder and agent experience
Expose core policy administration logic as standards-based APIs without modifying underlying systems. Agent portals, self-service apps, and digital channels gain real-time access to policy data, quotes, and claim status — without middleware bottlenecks.
Meet regulatory and compliance requirements (GDPR, CCPA, Solvency II, state reporting)
Auto-generate standards-based APIs from legacy structures including VSAM, IMS, CICS, and stored procedures. Audit trails, data lineage, and compliance-ready interfaces are built into the generated services — reducing manual effort and reporting risk.
Faster time-to-market with new digital products
AI-driven automation reduces the time and effort required to turn legacy policy and claims logic into reusable services. Teams accelerate new product launches without depending entirely on scarce legacy specialists or long integration queues.
Enable AI, analytics, and actuarial modeling
Actuarial models, fraud detection engines, and AI platforms need access to historical policy and claims data stored on mainframes and IBM i systems. OpenLegacy makes that data available in real time, without middleware latency or batch delays.
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Modernize claims processing
Legacy claims systems slow adjudication and increase manual touchpoints. OpenLegacy exposes claims functions as event-based APIs, enabling straight-through processing, AI-assisted adjudication, and real-time status visibility — without replacing the core.
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Reduce infrastructure cost and operational complexity
Direct connectivity reduces dependency on costly ESB and middleware layers. Selected workloads can shift to cloud-native deployment, reducing operational overhead and freeing budget for modernization rather than maintenance.
Proven Results. Real Insurers
Faster Time-to-Market
Deliver new digital capabilities faster by connecting directly to core policy, claims, and actuarial systems — without changing the systems underneath.
Cost Reduction
Reduce development effort through automation and direct connectivity, helping teams deliver more with less dependency on legacy skills or middleware.
Big Bang Rewrites
Safely decouple legacy speed from digital innovation cycles. Legacy and cloud run in parallel — workloads shift in controlled waves.
Where OpenLegacy Delivers Value in Insurance
These are the initiatives where legacy systems are the primary bottleneck — and
where OpenLegacy helps insurance carriers move faster without putting
operations at risk.
Core Policy System Modernization
Policy administration systems are the operational core of every insurer. Replacing them is high-risk, expensive, and slow. OpenLegacy enables insurers to expose policy functions — quoting, issuance, endorsements, renewals — as modern APIs without modifying the underlying system. Individual domains can be decoupled and re-platformed in phases while the policy engine remains operational, supporting M&A consolidation and multi-system unification in the process.
Claims Processing & Straight-Through Automation
Auto-generate standards-based APIs directly from COBOL copybooks, CICS transactions, and IBM i programs. Move from bespoke integration to a repeatable API factory. Bank Leumi went from COBOL to microservices in 5 minutes, delivering 8 per week with 1 developer and 100% compliance.
Agent & Broker Portal Enablement
Agent portals that depend on screen-scraping or fragile ESB connections create friction, delays, and support overhead. OpenLegacy replaces those connections with direct, standards-based APIs generated from core policy and commission systems. Agents get real-time quotes, policy status, and binding confirmation. Brokers get the self-service experience they need without the latency and unreliability of middleware-dependent integration.
Actuarial Data Access & AI Enablement
Actuarial models and AI-driven pricing tools need high-throughput access to historical policy and claims data stored on IBM i and mainframe systems. Batch extracts introduce lag. Middleware adds latency. OpenLegacy provides direct, high-throughput access to legacy data pools, fueling actuarial simulations, risk modeling, and AI-driven underwriting without the overhead of traditional integration approaches.
M&A Consolidation & Legacy System Integration
Insurance M&A activity frequently leaves carriers managing multiple policy systems across different mainframe environments. Integration projects that attempt to consolidate these systems through traditional middleware are slow, expensive, and high-risk. OpenLegacy enables an API-first consolidation approach — exposing functions from each legacy system as consistent, standards-based services — so a unified digital layer can operate across disparate back-end environments without a full system replacement.
How OpenLegacy Works With Your Core Systems
Your policy and claims systems do not need to be replaced to deliver modern digital experiences. OpenLegacy
connects directly to mainframes, IBM i, COBOL/CICS, VSAM, stored procedures, and DB2 — and generates cloud-
ready APIs and services from what already exists. Legacy and cloud run in parallel throughout the process.
Legacy and Cloud run in parallel. Workloads shift in waves. The core stays stable throughout.
External Decoupling
Create a new API layer — without touching the core. Expose existing policy administration functions, claims records, and commission data as modern APIs. Agent portals, self-service apps, and new cloud services consume these APIs while the legacy system remains the system of record. This is the fastest path to digital channel enablement, broker portal modernization, and ESB retirement.
Internal Decoupling
Selectively modernize modules — while keeping the whole system running. Identify and isolate specific business functions — a claims adjudication rule, a policy rating calculation, a renewal workflow — so they can be exposed, decoupled, and progressively modernized while the existing system keeps running. New functionality deploys independently, reducing risk and allowing technical debt to be addressed in waves.
Data Layer Decoupling
Unlock legacy data for AI, analytics, and actuarial systems. Make data from legacy databases — DB2, VSAM, IMS, stored procedures — available to cloud data stores, caches, or streaming layers without schema changes or middleware overhead. Actuarial models, fraud detection engines, AI underwriting platforms, and regulatory reporting services gain timely access to the data they need from core systems.
Securely connect to mainframe, IBM i, or legacy system. Visualize dependencies, transaction flows, and data structures to identify safe decoupling points before modernization begins for the specific project or phase.
Map your modernization plan. AI-powered automation identifies the integrations needed to support the safe decoupling pattern and builds the service blueprint — without manual reverse-engineering or specialist legacy skills.
Auto-generate the services identified in the modernization plan. Deploy to cloud, on-premises, or hybrid environments. Iterate continuously — each wave builds on the last. Modernization becomes a practice, not a project.
Trusted by Leading Insurance Carriers
Insurance carriers across multiple regions use OpenLegacy to unlock their core systems,
accelerate digital programs, and deliver new capabilities — without the risk of a core system
replacement.
AIG
Delivering real-time quotes and reducing payment time from days to minutes
AIG's call center representatives manually re-entered data from call center applications into their core IBM i insurance system. Providing near-instant car insurance quotes would have taken one year of development with existing tools. Claims payments required eight days of monthly manual effort — causing agent frustration and wasted time.
After evaluating other options, AIG adopted OpenLegacy's microservices API approach to expose their IBM i (AS/400) core system logic. Self-service web quoting was enabled without modifying the underlying system, and claims payment workflows were automated — eliminating the redundant monthly manual process.
"OpenLegacy enables better customer experience and 40% greater claims processing efficiency."
Globe Life
Real-time digital experience without disrupting decades-critical mainframes
Globe Life needed to launch a modern Customer Portal 2.0 with real-time digital experiences — while running on z/OS and z/VSE mainframe systems that had been critical to operations for decades. Large-scale refactoring was not an option given aggressive business timelines.
Partnered with OpenLegacy to unlock real-time mainframe connectivity using existing 3270 screens as the initial integration layer — delivering immediate value without disrupting core operations. The approach was designed as a phased journey, progressing from 3270-based integrations toward CICS-based connections for long-term resilience, with a path forward to HATS APIs.
"By meeting the business where it was and building toward where it needs to go, Globe Life turned mainframe modernization into a phased, low-risk journey that delivers value today while paving the way for tomorrow."
Built to Work With Your Cloud
and Technology Partners
OpenLegacy integrates into modern cloud environments and works
alongside the tools insurance carriers already rely on. Whether you are
pursuing a cloud migration with a hyperscaler, extending a policy
administration platform, or connecting digital channels via an API
gateway — OpenLegacy fits into your architecture and delivery model.
It also complements modernization programs led by cloud providers
and ISVs, fitting alongside existing migration toolchains rather than
replacing them.
